Recovery from Houston Insurance Companies

Role of Insurance in Houston Personal Injury Claims

Liability insurance exists to provide the policyholder with protection
in the event that he or she is sued. Whether the insured is an individual
or a corporation, the purpose of having liability insurance is to avoid
the significant financial losses that one might suffer upon losing a lawsuit.
By paying a relatively small amount every month in premiums, the policyholder
is able to enjoy the peace of mind and confidence that come with knowing
that he or she is reasonably secure against the threat of litigation.

How Insurers Cover Accident Claims

If you have been injured or have lost a loved one in a serious accident
and are now contemplating taking legal action to recover financial compensation,
your personal injury or wrongful death claim will most likely be against
the insurance policy of the party who is at fault for causing the accident.
In other words, you will not be taking legal action only against the person
who is responsible for your accident and the losses you have sustained
as a result. For example, if you suffered whiplash in a car accident caused
by Mr. Smith, you will initially file suit against Mr. Smith as the person
who is liable for causing your injury.

Provided that Mr. Smith has car insurance, however, your Houston personal
injury lawyer will almost certainly end up dealing with the insurance
company in pursuit of your claim. This is true in the vast majority of
accident claims, whether it is auto insurance for a motor vehicle accident,
homeowner's insurance for a
premises liability claim involving a slip and fall, or a claim against a doctor's
medical malpractice insurance.

The liability insurance provider has a duty to defend the policyholder
against legal action, as well as to pay the judgment in the event that
the defendant loses the lawsuit. While not a liability policy, similar
principles apply in the case of workers' compensation insurance. In
these cases, the employer's insurance provider steps in to pay medical
and wage benefits. Workers' compensation releases the employer from
the possibility that their injured employee could sue them.

Level the Playing Field with Our Houston Personal Injury Lawyer

Insurance is a multi-billion-dollar industry, and liability insurers have
vast resources at their disposal for defending against claims such as
yours. Individuals who attempt to settle accident claims on their own
end up being steamrolled by the insurance companies in most cases. For
example, the claims adjuster may come out to inspect the damage or to
interview the accident victim and estimate the value of the claim as being
dramatically lower than what it actually is. They will also use tactics
such as requesting recorded statements concerning the accident, sometimes
tricking the accident victim into saying things that serve as grounds
for the insurer to deny the claim or to settle for an appallingly low amount.

If you are determined to recover the maximum compensation possible in your
case, level the playing field by hiring the team at The Daspit Law Firm.
Whenever possible, we attempt to recover out-of-court settlements for
our clients by negotiating with the insurance company and seeking to compel
them to pay a fair amount without going to trial. When this is not an
option, however, we do not hesitate to take the case before a jury for
a full trial.

Learn more about what to expect during the process and get started now
by contacting us for a
free case evaluation.